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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $488,260 | $110,240+342.9% | $96,544+405.7% | $139,487+250.0% |
| Participation rate | 100.0% | 78.1%+21.9pp | 76.0%+24.0pp | 80.3%+19.7pp |
| Annual return | 20.46% | 26.41%-6.0pp | 25.88%-5.4pp | 373.84%-353.4pp |
| Employer contribution / active EE | $4,997 | $3,622+37.9% | $2,966+68.4% | $4,755+5.1% |
| Participant deferral / active EE | $3,068 | $5,549-44.7% | $4,851-36.8% | $6,713-54.3% |
| Admin fee / account holder | $8,408 | $11,602-27.5% | $8,254+1.9% | $11,407-26.3% |